Personal loans in Udall, KS

Personal loans in Udall are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 644 population. With an estimated 644 residents, Udall is the 252nd-largest of 625 places in Kansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Udall lost roughly 2.4% of its population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Udall loan. A larger market lies at Oxford, KS about 8 miles away. A lender that serves Udall operates under Kansas lending statutes and a Kansas supervisor.

Udall: the sourced local profile

Udall is a small community; the notes below cover its population profile and the statewide rules that apply.

What is available to Udall borrowers

Udall is moderately settled, with about 1,182 people per square mile and 40 larger places within 50 miles. A Kansas licence lets a lender serve Udall without a local office, so branch density does not change what its 644 residents are offered. The nearest larger city, Oxford, KS about 8 miles away.

Udall's place among Kansas's 625 places

Against Kansas's other places, Udall accounts for about 0.0% of the state's population and ranks 252nd of 625 by size. Its 2020-to-2023 change ranks 460th of 625 Kansas places, putting it near the 26th percentile for growth. Its roughly 1,182 residents per square mile place it 161st among Kansas's places. By land area, its 0.5 square miles rank 302nd of 625 places in Kansas.

The state rulebook for Udall

This table holds the Kansas rate and licensing rules for consumer loans made to Udall's 644 residents.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".		Kansas Office of the Revisor of Statutes
as of 2026-09-16
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

The geography behind Udall

The Census Gazetteer records about 0.5 square miles of land within Udall, with no significant water area listed. That land carries about 1,182 people per square mile. The state's population centre of gravity, Wichita, is roughly 24 miles away. Udall has 40 larger places within a 50-mile radius. By land area it ranks 302nd of 625 Kansas places.

How a Udall personal loan is priced

With roughly 644 residents, Udall is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Udall. The term you choose in Udall decides the split between a comfortable payment and the total interest you pay.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Udall if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Udall is the same as anywhere in Kansas.
What loan size can I expect in Udall?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Udall?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Udall cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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